Rating based on 9 reviews


  • Innovative Car Loans
  • Tailored Finance Solutions
  • Repayment up to 72 months

In-page navigation

ALPHERA homepage
Author ALPHERA. Screenshot of ALPHERA website.
[Accessed June 10, 2020]


ALPHERA Financial Services, founded by BMW in 2001, is a car finance company that has grown in leaps and bounds over the years.

Striving to always remain on the forefront of vehicle finance, we challenge ourselves and our staff every day. We strive to welcome new customers and help them get their dream cars.

From humble beginnings to who we are today

Alphera started small, but we expanded our reach across the country, extending our services to new communities, growing to new heights. A decade after our inception, we could hardly have a candle held to our flame.

We continue to grow and adapt, always remaining on the cutting edge of online loans and related services.

Customers can rest easy at night knowing that we’ve got them covered.

Joining the Alphera family is easier than you think

The application process is simple and easy, taking only a few minutes of your time. After you’ve applied and registered with us, here’s the process you’ll follow:

  • Select an available contract term – this is to decide for how long you’re willing to make the repayments.
  • Choose a deposit amount – this is important, as it’ll determine your monthly instalment size.

These are the main things to be concerned with. You will only take full ownership of your vehicle once the full loan amount has been repaid.

ALPHERA Services

There are many reasons why you should be using our services, but we prefer to let these distinguish us from our competitors naturally.

Our clients are happy with our quick loans and related services, as you’ll note from our long list of great reviews.

Our fixed rates keep us popular

When we say fixed rates, we mean it too, unlike some of our competitors that move their monthly payments and interest rates up and down.

We keep our interest rates, monthly payments, and interest rates fixed.

We do this to ensure there are no unexpected surprises. Nasty increases can destroy a client’s budget for the month, and we don’t want that.

Complimentary services we offer

You’d think with our vehicle finance sourcing service being free, we’d be hiding some costs on our site somewhere: But this isn’t the case.

In fact, we have a few extra features available to our clients and the general public on our site. These are available at all times of the day or night, for your convenience.

We believe in helping our clients for the greater good, and it’s why our company came into being all those years ago.

We offer the most stable repayment rates, the best deals on both new and used vehicle loans, and other services like car insurance.

ALPHERA – Car finance

  • Loan Type Car finance
  • Repayment 12 months to 72 months

Benefits of ALPHERA

  • Innovative car loans
  • New & pre-owned cars
  • Term up to 72 months

Car finance calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Innovative finance for new & quality pre-owned vehicles

We do, however, require a few details to get things out on the road.

The requirements for our services:

  • You must be a South African citizen
  • You must have a valid RSA drivers licence
  • Proof of income
  • A clean credit record
  • An income of R10 000 or more
  • A vehicle in mind which costs R50 000 and above
  • The age of the vehicle must not exceed 12 years at the close of the loan

These are simple guidelines to ensure that your car finance is comfortable, easy, and legal.

We also provide services to companies

We don’t see why companies should be excluded from receiving our excellent service. Indeed, we felt compelled to set out their own set of rules and regulations, but still ones that retain our own company’s generosity and ease of use.

Another small thing to note about our process, however, is that early settlements are possible if pre-discussed with your lender, but they may be subject to a small penalty fee.

You could also reduce your instalments with multiple payments. This would be if you find yourself in a position to put more money into your loan than expected.

All that’s left to do is check out our easy step-by-step online loan application process. Get in touch and let’s talk about what Alphera can do to help you, just like we’ve helped countless others.

man holding thumbs up

ALPHERA is a trusted & reliable provider of car finance

In our review, ALPHERA adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

ALPHERA is a registered credit provider in South Africa: NCRCP2341

Customer Reviews & Testimonials

March 2020

Alphera loans really helped me out, I had my brand new car keys in my pocket within 2 days of applying for my loan.

Johnothan Y
— Johannesburg —

October 2019

I was struggling to handle an original vehicle loan I had taken out. Alphera helped refinance me and now I have nothing to worry about.

Steven B
— Port Elizabeth —


Physical Address

Opening Hours

  • not available